Savings

There are many options to consider when you are ready to save.

Regular Savings

Our regular savings is perfect for getting started on your next savings goal. Open this account today with as little as $100 dollars and no monthly service charges.

Money Market

Are you looking for a safe simple option? Start setting aside funds and earning interest while still accessing funds whenever you like.

Account Type	Regular Savings Account	Money Market Account
Description	A savings account that is available to all customers with no minimum balance and no monthly service charge.	Money Market account is available to all customers with no monthly service charge and no minimum balance requirement.
Minimum Opening Balance	$100.00	$1,000.00
Monthly Charge	None	None
Interest Earned	0.75% ***	0.75% - 5.00% ***
Debit Card Eligible	Yes	No
Miscellaneous Information	*** Rates subject to change	*** Rates subject to change
Limitations		You may make six (6) transfers from your account each four(4) weeks or similar period, if by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by mail, or at an ATM are unlimited. Violation fee of $20.00 will be accessed.

CDs

Can you set your money aside for a period of time? A certificate of deposit is a time deposit, similar to a savings account in that it is insured up to the FDIC insured deposit limit. However, a CD is setup for a period of time and earns a higher interest rate than a savings account. In addition, a CD has an early withdrawal penalty, if the money is withdrawn before the end of the term. Talk with us today to see if a certificate of deposit might be right for you.

IRAs

Do you qualify to make a Traditional IRA contribution?
If you have compensation or earned income, you are eligible to establish and make an annual tax-year contribution to a traditional IRA, even if you already participate in other retirement plans.

How about a Roth IRAs?
To be eligible to make a contribution, you must have compensation and your modified adjusted gross income for any tax year cannot exceed certain prescribed limits as adjusted for cost-of-living.

At First National, we offer both Traditional and Roth IRA certificates of deposit. Be sure and ask us about making your contribution for this tax season.

Savings can provide you with peace of mind and keep you from using that credit card in an emergency. Contact Us today to discuss which option might be right for you.